Accident claim in citi bank credit card

There is a case of burns accident caused  by gas leakage in a resident flat and the flat  owner has a citi bnk credit card and has a accident proteection in built in his card.

Can this be treeatd as an accident and whether he can claithe medical expnses fr citi bank .

The expnses are huge amounting to 12 lakhs.

Thanking in advance to all the learned lawyers

thanks